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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Assets per participant exceed $250,000 - top-decile high-value plan.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $390,486 | $142,392+174.2% | $119,622+226.4% | $134,532+190.3% |
| Participation rate | 38.9% | 82.8%-43.9pp | 79.3%-40.4pp | 81.2%-42.3pp |
| Annual return | -22.30% | -12.46%-9.8pp | -14.98%-7.3pp | 418.27%-440.6pp |
| Employer contribution / active EE | $2,614 | $5,224-50.0% | $4,232-38.2% | $4,741-44.9% |
| Participant deferral / active EE | $5,814 | $6,467-10.1% | $5,601+3.8% | $6,401-9.2% |
| Admin fee / account holder | $1,843 | $13,593-86.4% | $10,328-82.2% | $11,429-83.9% |